I got home today and checked my mail.
I had an invitation from Barclay's Bank to get a Visa Black card. Normally I just shred the entire envelope. This thing was thick and quality paper. I had to open it up just to check it out. The card would be on a piece of stainless steel.
I was thinking it might be cool. Then I looked at the fee schedule. The APR can be as high as 27.24%!
The kicker is they want a meager $495 per year for the annual fee.
I don't think so. Off to the shredder.